Credit information with other payments will not affect your mortgage, as long as you can repay on time and there is no overdue, it will be fine. The Credit Information Center of the Central Bank made it clear in official website that whether you can apply for a loan depends on commercial banks. The Credit Information Center of the People's Bank of China only provides personal credit reports for commercial banks to refer to when approving loan applications.

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Will the bank refuse to lend money when inquiring about personal credit information?

Too many "hard questions" may make banks cautious when lending.

The central bank's credit information center has publicly pointed out that lending institutions will pay attention to the "hard inquiry" in credit reports when lending. If there are too many inquiries in a short time, it is easy to give people the impression of "lack of money". Because people who are short of money generally have a higher risk of default, loan managers are more inclined to make a decision to lend cautiously.

"Because you can only check your credit information if you have applied for a loan from a bank or have a bank loan before." A mortgage business manager of five major banks explained to the Beijing News reporter, "If you check the credit information many times, it means that you may have applied for several loans in several banks, and then when you apply for a new bank, the bank will ask you if you applied for it several times before. If you apply, it means that your debt will continue to increase; If you don't apply, he will also consider whether you have other reasons for being rejected. "

The website of the Credit Information Center also shows that if the applicant's credit information report has been inquired by different banks for a period of time due to loans, credit card approval and other reasons, but the records in the credit information report show that the applicant has not obtained new loans or applied for credit cards during this period, it may indicate that the applicant has applied for loans or credit cards in many banks but failed. This information may adversely affect obtaining new loans or applying for credit cards.

According to media reports, generally speaking, it is best not to query more than 5 times a month and 10 times in two months. In this regard, many bankers told reporters that whether to decide to lend depends on comprehensive considerations such as regulatory policies, bank terms and personal credit status. The number of queries is generally only one of the reference conditions.

The raiders of the credit report produced by the credit center also pointed out that different institutions have different attitudes, which is reflected in the different types and sizes of risks they are willing to bear, especially the different access conditions for customers.